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Enjoy 3-month Interest-free Instalment for unlimited retail purchases. Enjoy up to HKD1,600 CashBack for new cardholders1

Standard Chartered Smart Credit Card

Earn and save on your everyday spending. All you need is ONE card – get the whole family to apply now!

Welcome offer

To enjoy the welcome offer of up to HKD1,600 CashBack, new cardholders¹ must fulfil the below requirements within the first 2 months from the date of card issuance.

Juice, Beverage, Drink

25% CashBack³ on all Eligible Transactions⁴

Spend HKD4,000 in the first 2 months to earn up to HKD1,000 CashBack

 

Details:

• No minimum spending requirement on each recurring transaction

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Up to HKD500 CashBack for setup of automatic recurring transactions

Set up automatic recurring transactions with merchant within the first 2 months to earn HKD100 CashBack for each eligible recurring transaction⁵

 

Details:

• No minimum spending requirement for each recurring transaction

• Applicable to a setup of maximum 5 automatic recurring transactions

Advertisement, Poster, Beverage

HKD100 CashBack for new Online Banking users

New users who sign up for Online Banking for the first time⁷ and complete the first login within the first 2 months can get extra HKD100 CashBack.

 

What you need to prepare for signing up⁹:

• Phone Banking Card Number (the 16-digit of the Credit Card Number)

• TIN and mobile phone

For Online Banking registration demonstration, Click here to Learn More.

3-month 0% Interest Instalment

Stress-free spending, split your credit card bills with 3-month interest-free instalment

Massive 5% Rebate

On everyday merchants. No registration, no minimum spending, available every day*.

Fees, Goodbye!

No foreign exchange fees, no annual fees, no cash advance fees. Ever.

A massive 5% CashBack*, earn and save on your everyday spending

    Say goodbye to complicated cashback deals of most credit cards. With the Smart Card, you can enjoy a massive 5% CashBack when you shop at everyday merchants, with no minimum spending requirement.

    Learn More

3-month Interest-free Instalment for UNLIMITED number of purchases

    Enjoy shopping with easy repayments! In just a few clicks, you can split your credit card bills over 3 months with interest-free instalment, for retail spending over HKD500 or above.

    Note: The Bank will reverse HKD1 CashBack on the「360° Rewards」Redemption Platform for every HKD180 instalment amount applied. For spending amounts that are not eligible to earn CashBack, the Bank will also reverse HKD1 CashBack for every HKD180 instalment amount applied. Where there is insufficient CashBack balance on the「360° Rewards」Redemption Platform for deduction, a negative balance will be displayed.

    Learn More

Credit Card Promotions & Services

Pay bills and make transfers without fees
Skip the fees. Now you can pay your rent, education expenses, car park fees and even your family and friends with your credit card without handling fees!  
Instant cash from your credit card
Extra cash is just one click away! Enjoy the exciting experience of instant approval in 30 seconds and instant disbursement via FPS with the Smart Card!  
360° Rewards Redemption Platform
360° Rewards Redemption Platform now serve with refresh outlook enable you to redeem rewards with your earned Points and CashBack  

  1. Welcome Offer is from 26 January 2021 to 31 March 2021
  2. New Cardholders are applicants who do not currently hold and have not cancelled any principal card of Standard Chartered Credit Card or MANHATTAN Credit Card issued by Standard Chartered Bank (Hong Kong) Limited (the “Bank”) in the past 6 months from the date of approval of their current applications for a principal card of the Standard Chartered Credit Cards.
  3. CashBack rewarded under 25% CashBack offer includes the CashBack earned from the prevailing Standard Chartered Smart Credit Card Rewards Scheme.
  4. Eligible transactions are retail purchases (including both local and overseas transactions), online purchase or posted amount of instalment purchase.
  5. Eligible recurring transactions is defined by the specific merchants, Acquiring Banks and VISA from time to time. The Bank does not define those recurring transactions. Any autopay authorization between cardholder and the Bank would not treat as eligible recurring transactions.
  6. Transactions made with insurance companies or associated with insurance are not considered as eligible recurring transactions.
  7. Only applicable to New Cardholders who have never signed up for Online Banking with the Bank on or before 25 January 2021.
  8. For the terms and conditions of the welcome offer, please click here.
  9. You only need your Phone Banking Card Number (the 16-digit of the Credit Card Number), TIN and mobile phone to sign up for Online Banking. For Online Banking registration demonstration, please click here. If you forget your Username or Password after registration, you may reset with your Phone Banking Card Number (Smart Credit Card) and TIN again.

Ⓐ Promotion period: From the date of card issuance to 31 December 2021

Ⓑ Upon successfully signing up for and issued with a Standard Chartered Smart Credit Card, the Bank will rebate a certain percentage of the amount of the Eligible Transactions in the form of CashBack reward (“CashBack”) to the Card account as shown in the list below.

Ⓒ Eligible Transactions made at below merchants can earn HKD1 CashBack for every HKD20 spent (5% Cashback Percentage)

  • DON DON DONKI
  • 759 STORE
  • Watsons
  • Circle K Convenience Store
  • PARKnSHOP and its designated retail stores (FUSION, TASTE, INTERNATIONAL, food le parc, GOURMET, GREAT FOOD HALL, SU-PA-DE-PA (applicable to Supermarket section only), EXPRESS and PARKnSHOP Frozen Food Stores outlets).

Ⓓ Other eligible transactions can earn HKD1 CashBack for every HKD180 spent (0.56% Cashback Percentage)

Ⓔ The maximum spending amount of Eligible Transactions that are made at Designated Merchants and qualified for the 5% CashBack Percentage is HKD60,000 per Card account within the promotion period. Any amount in excess will be counted as Other Eligible Transactions.

Ⓕ For more details, please refer to Standard Chartered Smart Credit Card Rewards Scheme Terms and Conditions.

Eligibility

  • Hong Kong resident aged 18 or above
  • Annual income of HKD96,000 or above

Documents

    • Your Hong Kong Identity Card
    • Your latest residential address proof showing your name
  • For regular income earners, please enclose your latest 1 month’s computer generated Payroll Slip or latest 1 month’s Bank Statements / Passbook showing your name, account number and salary entries
  • For irregular income earners, please enclose your latest 3 months’ computer generated Payroll Slip or latest 3 months’ Bank Statements / Passbook showing your name, account number and salary entries
  • For self-employed applicants, please enclose your Business Registration Certificate AND latest Profits Tax Demand Note

    Note: The bank reserves the rights of requiring more supportive documents for further review.

To borrow or not to borrow? Borrow only if you can repay!